Newsletter/Media

Mother’s Day featuring on China Press

Posted by on May 13, 2015 in Newsletter | Comments Off on Mother’s Day featuring on China Press

Mother’s Day featuring on China Press

Speak in Bangkok

Posted by on Apr 23, 2015 in Newsletter | Comments Off on Speak in Bangkok

Speak in Bangkok

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Sin Chew Jit Po Write Up

Posted by on Nov 24, 2014 in Newsletter | Comments Off on Sin Chew Jit Po Write Up

The Women Extraordinary forum 2014

Posted by on Nov 10, 2014 in Newsletter | Comments Off on The Women Extraordinary forum 2014

Today great sharing from panelist speaker Datuk Atikah Adom- Director world communication Network Resources

  • Ms Barbro Anderson Ceo Celemiab international AB
  • Mr Roshan Thiran- CEO Leaderonomics
  • & the moderator Mr Teh Kim Seng -Chairman Netrove Ventures Group , HK

All great speaker sharing on their strengths on leadership , the culture n experiences n family value .
I learn from them too .

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Examining The Malaysian Life Insurance Market

Posted by on Nov 10, 2014 in Newsletter | Comments Off on Examining The Malaysian Life Insurance Market

Best Foods to Fight Inflammation

Posted by on Aug 19, 2014 in Newsletter | Comments Off on Best Foods to Fight Inflammation

Best Foods to Fight Inflammation

inflammationThere are many concepts out there with eating plan plans and eating plan programs that are branded as anti-inflammatory but many of them have a primary element based on proven research. And that is that there are certain meals that help one’s body system battle swelling and others that can actually worsen it. Here are a few basic concepts about the best meals to battle swelling.

What is inflammation?
Inflammation is your reaction to infection as well as to accidents. It is the defense procedure that helps out body system to cure in these circumstances to use nutritional value to the involved area as well as bringing in defense cells. However when the swelling is across one’s body system rather than a specific position, this can be destructive instead of treatment. This is known as a serious swelling and comes with a range of health issues consist of arthritis, cardiovascular illness and even some types of cancer.

Top anti-inflammatory meals
So what are the top anti-inflammatory meals or what particular elements should you be seeking to help with the condition?

One cause of swelling is an discrepancy in stages of two of the important unhealthy acids: omega-3 and omega-6. Normal european eating plan plans contain 10 times more omega-6 than omega-3 so the first idea is to balance this out. Excellent sources of omega-3 consist of fish, sardines, spanish mackerel, sardines, fish and anchovies. It is also discovered in peanuts and flaxseeds. If you battle to eat these meals, look for a reliable brand of seafood oil supplement – make sure it is the omega-3 one though!

Those who eat a Mediterranean sea eating plan are shown to have low stages of cardiovascular illness and most of this may be the use of extra virgin olive oil. This contains natural anti-inflammatory qualities and is excellent to use for cooking in position of butter of veggie oil.

Double Effect
Some meals are great in anti-oxidants and these are also ideal for anti-inflammatory advantages. Non-citrus vegetables and fruits such as berries, be aware that fact : blueberries, raspberries, plums, cherries and apples are fantastic for this benefit. So too are cantaloupe canteloup and melon. From the fresh vegetables come him, green spinach, green spinach, cauliflower and turnip veggies as well as crush and pumpkin. All are great in anti-oxidants so have a dual effect on the health scale.

Spices are fantastic for giving taste to meals but they are also anti-inflammatories in the case of garlic cloves, nutmeg, nutmeg and turmeric extract. If you are a fan of shakes, use a bit of the veggies above with a sprint of one in or a load of anti-oxidant rich vegetables and fruits with a bit of nutmeg.

What to prevent
If you know you have an inflamation related situation or a vulnerable to swelling for one reason or another, there are also some meals to either prevent or watch your intake.

Sugar is one factor that is everywhere and extremely hard to cut out but try to exchange things like prepared sweets and treats for a load of vegetables and fruits or other such fruit. This will help the swelling and can also help weight reduction.

Trans body fat are another factor to prevent for a host of reasons. These ingredients create bad cholesterol, being overweight and level of potential to deal with blood insulin that can cause to diabetes as well as inflamation related. They are discovered in meals that are deep-fried, commercial cooked meals as well as in peanut butter and anything made with partly hydrogenated oil, veggie oil and marg..

While milk products products do have their advantages, they can also be tough on one’s body system. Milk, for example, is something many people are sensitive to and one of the signs of this sensitivity is swelling as well as nausea, rashes and even breathing issues.

Red various meats and prepared various meats both contain a material known as NEU5GC. This is something that one’s body system doesn’t produce and when it goes into the system, one’s body system starts moving out the antibodies to fight it. This can cause to a continuous inflamation related reaction. Try to substitute red various meats with seafood or chicken and when it is consumed, go for the leanest reduces.

Conclusion
Everyone is different and there is no one-size-fits-all solution to any discrepancy. If you have signs, it is always worth talking to your doctor because it may be you have an intolerance or sensitivity to something eating plan plan and by cutting this out, the swelling reaction may be ceased.

Major Health Issues of Present Times

Posted by on Jun 23, 2014 in Newsletter | Comments Off on Major Health Issues of Present Times

Major Health Issues of Present Times

health_effectsAll along the progress of mankind, in one age or another, mankind has experienced medical concerns. There was malaria, affect, poultry pox and so on. Thus, the medical concerns come go along with time, and after the treatment of one ailment there is another secret waiting to be fixed.

In existing periods, the medical concerns have brought up at the same speed as has the features in medical science. The primary purpose for medical concerns are the lack of exercise in a person due to the improvements in technological innovation. The lines below give the significant medical concerns of existing periods.

Nutrition and Actual Inactivity:

Bad nourishment and no exercising are the factors for medical concerns currently. The lack of exercise causes many issues such as:

  • Various types of cancers
  • Depression
  • Center diseases
  • Diabetes

In common, exercising is related to age, however, at the moment periods even adolescents are non-active because of technological innovation. Moreover, besides lack of exercise, the harmful and mal-nutritional diet we intake is another purpose for several wellness issues.

Obesity and Overweight:

Perhaps the most obvious issue around the globe in common and the western in particular is obesity and fat individuals. Obesity or overweight significantly improves the chances of loss of life from:

  • Center disease
  • Hypertension
  • Gall bladder disease
  • Breast and digestive tract cancer
  • Breathing problems
  • Sleep apnea

Thus, to be able to keep in good health one needs to be aware of obesity and the aspects that cause obesity. Instead you must opt for weight training and fitness supplements to keep yourself wellness and fight obesity.

Substance Abuse:

In common, drug misuse represents liquor and medication. There two aspects are usually less associated with elderly people, however, the elderly people like adolescents may also use liquor and other unlawful medication that result in serious wellness issues. Moreover, self medication is another form of drug misuse getting common these days. Therefore, inform yourself about the aspects and things that come in drug misuse to be able to keep yourself healthier.

Tobacco:

Tobacco is the only cause of sickness and bad wellness that can be avoided. The wellness effects of smoking are obvious, therefore, one needs to stop it as soon as possible and one may need the help of a doctor in the process of giving up.

Mental Health:

Dementia is not a product of aging, rather there are several other aspects that play an important role in causing Dementia. It may be triggered by:

  • Disease
  • Hearing or perspective problem
  • Reaction to medication
  • Kidney failure
  • Diabetes

There are several types of dementia, however, the earlier it is clinically diagnosed, the better it can be handled thus helping in a better wellness.

Environmental Quality:

Although contamination causes the same damage to all those who are revealed to it, however, many studies indicate the fact that, cultural and national unprivileged, individuals with low-income are more prepared to residing in places where there is more ecological risk. Thus, individuals residing in such places are ecologically vulnerable to bad wellness and other wellness issues.

Conclusion:

In short, there are several medical concerns which different areas around the globe face today. The need is to perform thorough studies on these issues and recognize the factors for such issues and how they can be reduced.

 

信誉保证品牌公认 寿险代理狂追MDRT – Nan Yang Press

Posted by on Dec 23, 2013 in Newsletter | Comments Off on 信誉保证品牌公认 寿险代理狂追MDRT – Nan Yang Press

我们到商场购物时,往往会因为商品上标着某组织或机构的标志而对其产生更大的信心,这就是认证的重要性。

在保险业里,如果一名保险代理员的名片上印制着百万圆桌会的标志,那么无论是同行或者是保客将会对他另眼相看,因为那就是顶尖保险代理员的认证。

今年的百万圆桌会日上,3位分别享有5年、7年及10年的百万圆桌会会员荣誉的保险精英,胡伟壮、郑美芬及许焯陞分享个人踏入百万圆桌会荣誉殿堂的点滴及成功心得。

主:主持人张天良 胡:胡伟壮 郑:郑美芬 许:许焯陞

主:今天的这3位嘉宾当中,分别有5年、7年和10年的百万圆桌会会员,首先我们先了解,他们是怎样加入保险这个行业?

许:其实我以前是工程师。自马来亚大学毕业后,我对自己的前途有很高的期望。

我的一些学长学姐曾告诉我,做这一行有很大的发挥空间,想要发展多远都可以,但他们没有告诉我这个行业会受经济影响。

我是怎样来到这个行业?我有些在怡保家乡的朋友是从事保险业的,他们曾邀请我加入,但我没有,只是向他们买保单。在我当工程师的9年,我看到做保险的朋友有很好的发展,车子换了一辆又一辆。

我当时很羡慕,但就是不敢加入保险业!

后来我认识现在的领导人,他比我年轻,连他也开着名贵汽车,而且6个月后又换车。我看到以后再也忍不住了,所以我加入他的组织。当时我已经是高级工程师,但依然给自己一个机会“跳出来”。

主:接下来要分享的这位嘉宾,据说还是毕业于美国,而且拥有双学位的!

郑:我很庆幸,在我感到彷徨的时候遇到我的领导人,他跟我分享关于保险的事情。

在我加入保险业以前,我在金融业服务,不过我专注在房屋贷款计划。

其实保险和房屋贷款有关联,大部分房屋贷款的客户都会问我房屋保险的事情,从中我就看到机会。

我觉得保险给我的发展机会比房屋贷款更多,而房屋贷款合约比保险合约复杂,保险比较直接和简单。

除了房屋贷款的专业咨询之外,一些人需要家庭保险、医药保险或者是企业保险,我也可以提供这方面的资讯,所以就这样加入保险业。

胡:我想问各位在小学时,当老师要大家填写“我的志愿”时,有没有人填写“保险代理员”?我相信没有人!

我从小也没有想过自己会当保险代理员。

1996年,我是学院华文学会的主席,刚好我现在的上司找到我,说要和我们的学会联办活动,我认为不错就答应了。

我和他相处了两个月,之后和他一起打羽毛球,他告诉我要跟他一起打羽毛球是需要考试的,我想来想去不明白,原来他的意思是他们都是保险代理员,如果我要一起打羽毛球就要考保险执照,所以那个时候我真的去考试了,但我还是不认同这个行业。

我从纽西兰念书回来就在吉隆坡工作。在吉隆坡生活真的不简单,1999年时,我的底薪是2000令吉,对大学毕业生而言算是不错!以前我有很多梦想,也一直在寻找机会,所以我找回上司。当我的室友说要买保险却不知道要向谁买时,我只是简单地告诉他:“你跟我买啦!”我当时都不懂什么叫呈现!

最后我叫上司和我的室友谈,结果成交以后我拿到850令吉佣金,觉得很不错,所以我就决定做保险。

记得我爸爸说过这番话:“要做保险,需不需要去纽西兰读了大学才来做保险?”

我的朋友甚至以为我发烧,问我需要他帮忙找工作吗?那时候我只知道看到了机会,进去了就要好好做,所以我就这样进入这个行业。

穷代理VS富代理

主:现在的保险代理员和以前不一样了,有很多都是大学生,水准提升很多。许先生,你第一次达成MDRT是怎么做到的?

许:我不像很多精英,第一年加入行业就成了百万圆桌会会员,我是从事保险业两年后,第三年才做到MDRT。

我很幸运有一次出席一场讲座,给我一个很大的启发,也改变我对保险业收入的观念。

他们说在保险业里,如果你的月入不超过1万令吉,你是穷代理员;如果你的收入是1万至2万令吉之间,那么你是在“挣扎之间”,意思是你可能开始有能力买名贵的车或者名牌商品,但你剩下的钱不多;如果你的收入在2万至4万令吉之间,那么你就是舒服的保险代理员;如果你的收入是每月10万令吉,那么你就是有钱的代理员。

我听了以后告诉自己,不要当“挣扎中”的代理员,要做有钱的代理员。

我在加入保险业的第一年和第二年还在做熟悉市场,所以业绩比较普通。

到了第三年,我知道自己如果要做到MDRT就要做第一年和第二年没有做到的东西,所以我开始突破,开拓陌生人市场,成功达到MDRT。

7个月膺MDRT

主:别人用10个月达到MDRT,而Sharon(郑美芬)在7个月内就做到!

郑:我在加入保险业第一年就做到MDRT。

一开始,我用了3个月达到海外旅游奖,我就已觉得那是很了不起的事情。

这个时候,我的领导人挑战我:“既然你能在短短3个月内做到海外旅游奖,那么距离百万圆桌,你还有6个月,你应该要设定更高的目标!”

我想想也觉得很有道理,反正还有时间。我觉得刚刚进入行业,最重要的是有勇气,还有“够傻”,当领导人叫我做什么我就做什么,不要想太多。

我接受挑战后其实有点怕,因为距离目标还很远,但我选择相信自己和领导人给我的肯定。我重新整顿客户群,当时我的活动真的多得恐怖。

所以我认为,如果我们要做到可观的收入,就要勤力做;如果我们要做到海外旅游奖,就要专注;如果要做到MDRT,需要勤力、专注和承诺!

熟人扫一轮就没了?

胡:2003年是我第一次做到MDRT。其实2002年我就开始有这个目标,因为当我看到别人上台的时候觉得很羡慕,所以我心想自己也想要!

一开始,我设定目标都是抱着“别人有目标我也要有”的心态,我相信很多保险代理员都是这样的。

因此我觉得做保险首先自己的思想要接受自己真的可以做到MDRT,如果我们不认同,是不会全力以赴,因为当目标不是你的目标时,你只是要交代。

2003年是我第一年当经理,我告诉自己要很认真当MDRT,所以就认真做了。当我决定要当全职保险代理员的时候。我的堂哥劝我想清楚,因为他认为保险是“熟人扫一轮就没有了”。

其实不是这样的,你可以从客户那里获得转介绍。到今天我回去告诉他我扫了一轮又一轮,还是有得做!当你的思想符合行动你就会完成目标。

另外一点我觉得很重要的是,要追求MDRT,你要找到对的战友。

有些战友会说:“不用紧,明年再来!”如果你告诉他今天你没有预约,他会告诉你:“不用紧,我今天也是没有!”你听了很舒服,所以不会想要去拼。你要找三五个可以互相鼓励的战友。

打个比喻,如果一个乞丐和九个富人在一起,乞丐会变成富人吗?如果富人和九个乞丐一起,富人会变乞丐吗?思想和找对战友是很重要的!

为宝宝连年当MDRT

主:许先生,是什么原因让你当了一年又一年的MDRT?许:刚刚我讲了做MDRT的目的首先是为了收入,后来我上台领奖以后,找到第二个理由,那就是舞台,因为那种很多人为你鼓掌的优越感和满足感很棒。

不过我们会有这样的挑战,因为当你维持了很多年,就会感到疲累,有想放弃的时候。尤其两年前我的孩子出世后,我每天就很想赶快回家看宝宝。

当7、8月时看到保费总额距离百万圆桌会相差很远,那种上台的感觉又来了。

每个人心中有两个自己,一个是人,一个是鬼。当时那个“鬼”叫我把多一点时间留给宝宝,做不到MDRT没关系,但幸好另外一个“人”比较强,他告诉我:“你有了宝宝,就算要陪孩子,也要做MDRT!从此我又多了一个做MDRT的理由。

热忱享受自律缺一不可

胡:最重要是你对这行业有热忱,你如果不享受,怎么做好呢?你要是喜欢见人,那就表示你很享受。当然Hee(许焯陞)所讲的,爱很重要。我们今天做保险,是因为想给家人更好的生活。

你进来这个行业,你要知道为谁而做,为自己而做肯定做不久。尤其当你有一定的收入,你会有放弃的想法。第二个原因是家人,你要家人和身边的人为你感到骄傲。

自律很重要,保险不是很自由的行业,而是很自主,你要控制你的时间。要把保险做好,是要很专注,不是很聪明,领导人说什么,你就做什么!

把上台当成习惯

郑:对我来讲,我也是很喜欢舞台的感觉,当我上了第一次后就很想一直再上,现在已经成了习惯。对我来讲MDRT是一个指标,这个行业给我、家人、领导人、下属和客户肯定,肯定他们没有看错人。另外,曾有个贵人告诉我这一番话:“第一次做到是幸运,第二次做到才是实力,第三次做到就是习惯。”

当然很多时候我们也面对很多挑战,但如果没有挑战就没趣了,也不算什么成就了。我会告诉自己怎样把自己搞好,把挑战减少。现在我一直在学习开拓市场的能力,处理拒绝的能力,要求成交的能力和时间管理能力,这是我一直提升自己的事情。

MDRT就是信誉品牌

主:说到爱,我想起有一句话是这么说的:“当爱存在的时候,就没有麻烦,而且你将会有很多时间。”如果有爱,就会有时间做MDRT。那么想问各位当上MDRT是否对你的事业有帮助或影响?

许:名片上有MDRT的标志的确是会对事业有帮助,因为那是全世界公认的品牌,所以每个保险代理员都应该追求这个肯定。记得两年前找个客户吃饭的时候恰巧遇到朋友,我派名片给他,后来他联络我要买教育保单。我之后问他为什么找我,他说因为我有MDRT!

郑:现在的客户也蛮聪明,他们看懂那标志。很多时候这一类认证是很有帮助的。见客户的时候,客户可能不了解你,但MDRT肯定了我在这个行业长期发展,因为一般上获得MDRT的保险代理员都会持续发展。

胡:MDRT就是保险代理员的品牌,客户对你的信心。记得2007年的时候认识一个顾客,他当时已经有保险代理员服务了。那位保险代理员一直告诉那客户我的产品不好。

后来,这位客户安排我们两个保险代理员一起共进午餐。我呈现整个过程,这位保险代理员一句话都没有讲,第二天我就成交了,所以为什么MDRT是很重要的。

独家报道:寇妙娟 

Benefits of Life Insurance

Posted by on Dec 17, 2013 in Newsletter | Comments Off on Benefits of Life Insurance

Do you realize the value of lifestyle insurance? Actually, it is a contract between insurance plan plan owner as well as the insurance provider. In the plan, insurance provider promises to pay a certain sum of cash to the beneficiary upon the loss of lifestyle of insurance plan plan owner. To avail this cash, the insured individual has to pay a fixed sum of cash called top quality regularly to the plan company. There are a few organizations which pay for miscellaneous costs such as memorial costs which is a part of top quality amount.

There are hundreds of people who buy lifestyle plans every day, so as to give themselves members extra security in situation of any untoward incident. One of the biggest benefits of buying insurance plan coverage coverage is satisfaction. This comes from the fact, that you can be assured that your family members members would not have to face any sort of poverty in situation of your loss of lifestyle. It is well understood that in situation, you are the sole bread winner for the family; your sudden loss of lifestyle can place family members members in grave trouble. Thus, to minimize the chances of such a catastrophe, you can opt for the service insurance plan coverage organizations. These firms are simply excellent in offering their customers the best security. Your close relatives wouldn’t have to bear the economical burden as well as emotional distress after losing you. The plan provides a vast deal of economical support to the group of the deceased.

In addition, to insurance plan coverage, you can also opt for metropolitan memorial protect. The costs of memorial have escalated unimaginably over a period of time. Thus, to help out family members members in situation of loss of lifestyle as well as to arrange for memorial and funeral, it is advised to opt for Avbob memorial protect which would be of great help in easing out the whole procedure. The funeral insurance plan would alleviate the bereaved of all the costs as well as preparations that have to be done in situation of uneventful loss of lifestyle. Making an arrangement for memorial is a necessary component of existence where a funeral insurance plan provider is extremely beneficial. The insured individual also possesses the rare probability to decide on the design of memorial as well as gets to be able to prepare the final memorial solutions. With all the preplanned preparations, preparing for memorial would be a cakewalk to see relatives members members.

In situation you are not aware of the strength insurance plan, you would be amazed to know that it is one of the best short term insurances. This insurance plan works in the direction of one stop asset management. It also provides economical advice to individuals and businessmen to take better investment decisions. This insurance plan coverage coverage provides customized economical solution to its elite customers. This plan covers cars, trailers, bicycles, bikes, portable possessions and more. The additional features of strength include strength responsible driving, strength health, strength business insurance plan and numerous other associated guidelines. So what are you waiting for? Start looking out for a highly reliable insurance plan provider as soon as possible.

Benefits of the Life Insurance Without Medical Examination

Posted by on Dec 9, 2013 in Education, Newsletter | Comments Off on Benefits of the Life Insurance Without Medical Examination

There are many factors why individuals shop for life insurance protection without healthcare evaluation. One of the factors could be that they are not healthy. Furthermore, they could be lacking funds or a chance to undertake the tests needed for healthcare examinations. Discovering the right plan that does not demand healthcare examinations does not have to be challenging. It is possible to discover protection plan plan online. What you need is to get into the phrase “insurance with no healthcare exam” into the online search engine and press get into. You will discover many options to choose from. The advantages of the no-medical evaluation plan include:

Great chance of being qualified

Some carriers charge the no-medical evaluation guidelines a little more than the regular insurance plan. However, the chances for being certified for protect are high. This is great news for some of the individuals whose wellness is in a poor state- individuals who eventually discover it challenging to be certified for insurance plan with other companies. Their option is the no-medical evaluation insurance plan. Nevertheless, a certain level of wellness is needed, which is often determined through some self-report concerns when applying for insurance plan. It is important to be completely honest when making an application so that when time comes to claim you will get you payment. Failure to respond to concerns correctly amounts to insurance plan scams.

Provides loss of life benefits

Most of the guidelines provide for loss of life advantages, which represents the sum of cash paid out to the specific recipients (people the customers selects to get the plan money) when the insurance policy holder passes away. If you are planning to purchase insurance plan, you need to know the person(s) who should get the plan advantages. Your recipients will need cash when you pass away for the following reasons: they need to take care of your memorial costs; they need to settle your estate & bequest taxes; they rely on your wage to take care of daily expenses; they rely on your capacity to earn money for the business; and you owe some cash to some lenders.

Provides adequate coverage

The quantity of protect that you require is dependent on the factors for purchasing insurance plan. The no-medical evaluation plan could protect funeral costs. However, if the reason is to pay off your house mortgage or to replace a $100,000 annual earnings, you need a larger protect. Once you know the exact factors for buying insurance plan, you will be in a position to determine the quantity of protection that you need.